For State of Indiana employees and their families

Auto Loan Special through February 23

It's a Sweetheart of a Deal

Rates as low as 4.09% APR1 and No Payments for 90 Days

1 AUTO LOAN SPECIAL RATE — Each individual’s Annual Percentage Rate (APR) is determined by the applicant’s credit history. Not all applicants will qualify for the displayed lowest rate. APR calculation and estimated monthly payment of $553.71 based on loan amount of $30,000, FICO® score of 740 or greater, and term of 60 months. Rate includes 0.50% deduction for automated payments from an Elements checking account set up at closing. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes or insurance premiums. Rate may vary depending on credit history, vehicle model year and loan term. Elements Financial refinances and third-party auto-dealer transactions are not eligible. Offer available for applications received February 8-23, 2019.

Buy or Refinance with an Elements

Auto Loan

Up to $500 Cash Bonus1

1 Auto Loan Related Maximum $500 Cash Back Offer — requiring closing of auto loan and submission of applicable promo code at application — is based on 1.0% of loan amount paid as a Visa gift card. Elements Financial refinances and third-party auto loan transactions are not eligible. / Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks after qualifications are met for receipt of bonus. If the account is closed within six months, we reserve the right to deduct the bonus at that time. Product offers cannot be combined with other promotional offers for the same product. One offer per household.

Open a New Elements

High Interest Checking Account

$200 Cash Bonus1 + 2.00% APY23

1 Checking Account Related $200 Cash Back Offer — requiring minimum of $500 recurring monthly direct deposit (direct deposit defined as payroll from your employer, retirement benefits, or government benefits) within 60 days of checking account opening and submission of applicable promo code at application — will be a taxable bonus dividend deposit into your Elements Checking Account. Fees may reduce earnings. Health Savings Account and existing Elements checking accountholders not eligible. / Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow up to 90 days after qualifications are met for receipt of bonus. If the account is closed within six months, we reserve the right to deduct the bonus at that time. Product offers cannot be combined with other promotional offers for the same product. One offer per household.

2 High Interest Checking Account Annual Percentage Yield (APY) is variable and may change after account is opened. The APY is 2.00% on balances up to $20,000, 0.10% on balances greater than $20,000. Dividends will be paid per statement cycle requirement. At least one account holder must be at least 18 years old. You must maintain a minimum average daily balance of $100 to earn dividends. Accounts not meeting the qualifying threshold will earn 0.05% APY. Fees may reduce earnings.

3 Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify.

Open any Elements

Visa Credit Card

$300 Cash Back Value1

1 Credit Card Related $300 Cash Back Value Offer — requiring at least 10 card purchase transactions totaling at least net $1,000 within 90 days of card approval — will be fulfilled as a $300 statement credit. Secured credit card and Butler University Rewards credit card excluded. Existing Elements credit cardholders not eligible. / Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks after qualifications are met for receipt of bonus. If the account is closed within six months, we reserve the right to deduct the bonus at that time. Product offers cannot be combined with other promotional offers for the same product. One offer per household.

Buy or Refinance with an Elements

Mortgage

$500 Cash Bonus1

1 Mortgage Related $500 Cash Back Offer — requiring closing of mortgage and submission of applicable promo code at application — is paid as a Visa gift card. Elements Financial refinances are not eligible. / Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks after qualifications are met for receipt of bonus. If the account is closed within six months, we reserve the right to deduct the bonus at that time. Product offers cannot be combined with other promotional offers for the same product. One offer per household.

Our Rates Have Gone Up!

Limited Time Certificate Specials

2.85% APY1 34-Month with $1,000 minimum to open2

1 Certificate Annual Percentage Yield (APY) effective as of February 1, 2019, and may change without notice. Fees may reduce earnings. Penalty for early withdrawal. *Limited Time Certificates Special — Limited time offer may be withdrawn at any time. Unless redeemed, upon maturity 14-month certificate will automatically renew into the traditional 12-month certificate at the then current APY; upon maturity 22-month certificate will automatically renew into the traditional 24-month certificate at the then current APY; upon maturity 34-month certificate will automatically renew into the traditional 36-month certificate at the then current APY.

2 Minimum certificate deposit of $1,000. Maximum is $250,000 deposit per certificate; $1 million per household. Minimum required to open a child’s certificate is $500; child must be under 18 years of age. Minimum of $500 balance required to earn dividends. We may impose a penalty if you withdraw any of the principal before maturity.

Save Big with an Elements

Premium Money Market Account

Earn Up to 2.00% APY1

1 Premium Money Market Account Annual Percentage Rate (APY) effective as of May 21, 2018, and may change after account opening without notice. Premium Rate of 2.00% available to balances $2,500 and greater. You must maintain a minimum average daily balance of $100 to earn a dividend. Limited time offer; may be discontinued at any time. Fees may reduce earnings.